Unoccupied property insurance

As the owner of an unoccupied property, one of the most vital areas in which you need to ensure you have made no mistakes, is your unoccupied property insurance.

No matter what other precautions you take to protect your empty home or vacant premises, insurance policies are the very bedrock of avoiding financial ruin in the event of an unforeseen disaster.

Therefore, you need to choose your policy wisely.
A call to many of the ‘usual’ companies you may think of will result in a similar response from each, and will lead you to a more specific search for an empty property specialist.

Even having obtained what you may think is an ideal quotation, it is important to understand what your policy does and does not cover, what the insurer demands of you in the form of security, heating and inspection warranties, and to be sure that you have made the correct disclosures on your application for a quote in the first place.

In this section, we will highlight the things you must consider before deciding which unoccupied property insurance policy is right for you. What to look out for in the quotation documents, common areas of small print where you might slip up, and how to ensure that you are not only complying with your policy conditions, but how to evidence it.